Retirement Income Planning

Who it is for

Individuals and couples within ten years of leaving work, or already drawing from pensions, who want clarity on how long their savings may last.

What you receive

A written retirement income plan covering expected cash flow, tax considerations, and a clear sequence for accessing pots.

Scope

We examine workplace and personal pensions, ISAs, State Pension entitlement, and any defined benefit schemes. We do not manage day-to-day investment dealing or execute trades on your behalf.

Included

• Full fact-find of income, expenditure, and existing pension arrangements
• Projection of retirement cash flow under two or three plausible scenarios
• Guidance on drawdown versus annuity trade-offs where relevant
• A plain-English written plan and a follow-up call within four weeks

Not included

• Ongoing discretionary portfolio management
• Tax return preparation or accounting filing
• Mortgage or equity-release product arrangement

Who delivers the advice

Conducted by a Keystone Frame adviser in a face-to-face or video consultation based in Wales, serving clients across Great Britain.

Process

1. Introductory call to confirm fit and gather outline details
2. Document gathering checklist sent ahead of the main meeting
3. Two-hour planning session (in person or video)
4. Written plan delivered within ten working days
5. Optional follow-up call to answer questions on the recommendations

Timeline

Typically three to five weeks from first call to written plan.

Where we meet

Meetings at our Wales office or by secure video. Documents can be shared by encrypted email or post.

How to prepare

Bring recent pension statements, State Pension forecast, ISA valuations, and a simple monthly budget.

Constraints

Advice is personal and regulated under UK rules. We cannot advise on overseas pension transfers outside our authorisation scope.